At Artesia General Hospital in Artesia, NM, we want healthcare to be transparent, understandable, and accessible for everyone. Estimating your out-of-pocket costs before a visit can reduce stress and help you plan your care, whether you are visiting the hospital or one of our affiliated clinics.
What “Out-of-Pocket Costs” Mean
Your out-of-pocket costs are the portion of medical expenses that your insurance does not cover. These may include:
- Deductibles – the amount you pay before your insurance begins covering services
- Copayments – a set amount for visits or services
- Coinsurance – a percentage of costs you pay after insurance coverage
Artesia General Hospital works with multiple plans to maximize coverage. Everyone’s insurance plan is different. Knowing your costs ahead of time helps you plan for care confidently.
Step 1: Verify Your Insurance Coverage
Before estimating costs:
- Call the number on your insurance card. (This is an example of how to use a BCBSNM card)
- Confirm that Artesia General Hospital is in-network for your plan.
- Ask about coverage for your specific service (primary care, urgent care, lab work, or specialty services).
This ensures your out-of-pocket costs estimate is accurate and helps prevent surprises.
Step 2: Use Our Cost Estimator Tool
We offer a free online Cost Estimator tool that helps patients understand expected out-of-pocket costs:
- Visit: Cost Estimator Tool
- Enter your insurance information and the service you plan to receive
- Receive a clear estimate of your portion of the cost
This tool is quick, simple, and designed to help everyone plan their healthcare financially.
Step 3: Talk to Our Billing Team
Step 3: Talk to Our Billing Team
Our Local Billing Office is available to answer questions or guide you through getting your out-of-pocket costs estimate. Services include:
- Explanation of benefits
- Financial counseling
- Payment plans for larger services
- Explanation of services such as MD Save
📞 Call 575‑736‑8120 to speak with a friendly hometown team member who can help you understand costs and payment options.
We are committed to making healthcare affordable and understandable for everyone, including patients without insurance.
Why Estimating Costs Helps You
- Reduces financial surprises
- Helps plan for co-pays, deductibles, and coinsurance
- Supports decisions about hospital vs. clinic visits
- Connects patients with financial assistance programs when needed
Being prepared allows you to focus on your health, knowing your care is manageable and transparent.
Plan your Visit
Ready to plan your care? Call 575‑736‑8120 or schedule an appointment with Artesia General Hospital or one of our affiliated clinics. We proudly serve patients in Artesia, NM, as well as Roswell, Carlsbad, and surrounding areas in Southeast New Mexico. Please bring a copy of your insurance card and ID with you to each visit.
Frequently Asked Questions about How to Estimate Your Out-of-Pocket Costs
Question: How can I estimate my out-of-pocket costs at Artesia General Hospital?
Answer: You can use our free Cost Estimator tool on the Artesia General Hospital website. Enter your insurance information and the service you need to get a clear estimate of your portion of the cost. For help, our Billing Office is available at 575‑736‑8120.
Question: What do out-of-pocket costs include?
Answer: Out-of-pocket costs are the portion of your medical expenses that your insurance does not cover. This includes deductibles, copayments, and coinsurance. Knowing your costs ahead of time helps you plan your care with confidence.
Question: What if I don’t have insurance?
Answer: If you are uninsured or self-pay, Artesia General Hospital provides financial assistance programs, discounts, and payment plans. Our billing team can guide you through your options to make healthcare affordable and accessible.
Question: How do I confirm my insurance coverage before my visit?
Answer: Call the number on your insurance card to confirm that Artesia General Hospital is in-network and check coverage for your specific service. You can also contact our Billing Office for assistance at 575‑736‑8120.
Question: Does the cost estimator tool guarantee my exact bill?
Answer: No. The tool provides an estimate based on your insurance information and selected service. Actual costs may vary depending on your plan and the care you receive. Contact our Billing Office for personalized guidance.